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Will Fannie Mae and Freddie Mac’s Low Down Payment Loans Cause Another Housing Collapse?

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Fannie Mae

and
Freddie Mac

both recently introduced programs to clearly define their lending
standards and give homebuyers loans with as little as 3% down.
This has prompted criticism from many people as to the safety and
responsibility of this type of loan. After all, didn’t the
abundant availability of low down payment loans contribute to the
housing collapse?

While that’s definitely been true in the past, things are a
little different this time around. There is a right way and a
wrong way to let people become homeowners without a lot of cash
up front, and it looks like Fannie and Freddie are getting it
right this time.

The new loan programs

Fannie Mae’s 3% down loan program is available right now, and is
limited to first-time homebuyers, which are defined as anyone who
has not owned a home in the past three years. And even if a
borrower does not meet the “first-time” standard, a conventional
mortgage can be obtained with as little as 5% down.

Freddie Mac’s 3% down program is called Home Possible
Advantage, and will be available for settlement dates on or after
March 23. Unlike Fannie Mae’s program, the Home Possible
Advantage loan program is not limited to first-time buyers.

Both programs limit the low down payment options to
single-unit primary homes. So, investment properties, second
homes, and properties such as duplexes are disqualified.

What’s different this time around?

Low down payments all by themselves aren’t necessarily a bad
thing, if used correctly. And Fannie and Freddie are taking steps
to make sure things are different this time around.

One big difference is that the low down payment loans are
limited to standard (up to 30-year) fixed-rate mortgages. The
“exotic” loan options that used to be widely available with
little or no money down, such as interest-only and negative
amortization loans, are a thing of the past. And adjustable-rate
loans are not eligible for this option, to prevent cash-strapped
borrowers from finding themselves in over their heads when the
interest rate jumps.

The level of documentation required is another big difference
from the housing collapse. Prospective homebuyers are now
expected to be able to document every detail of their financial
situation. In fact, it’s not uncommon for a mortgage application
packet to consist of more than 100 pages of various income,
employment, and financial documentation.

And finally, credit standards have relaxed in recent years but
are still much higher than they ever were in the years leading up
to the collapse. This is especially true for low down payment
loans. According to Fannie Mae’s
loan-eligibility matrix

, a borrower needs a minimum credit score of 680 in order to
qualify for a down payment of less than 25%, which is
significantly higher than the 620 required for loans with higher
down payments.

In a nutshell, the difference is that even though you can once
again buy a home with a low down payment, borrowers are being
held to a higher standard in order to do so.

If you want to become a homeowner

If you’re a renter and have been thinking of taking the plunge
into homeownership, this could be the opportunity you were
waiting for. In order to make the process go smoothly, there are
a few things that you should do before applying for a loan.

For starters, you need to know where you stand credit-wise
since the new loan programs require reasonably good credit. And,
if your score is a little bit low, here are some
suggestions on how to improve it

. And, you should know
exactly what to expect

throughout the mortgage process and what lenders are looking for.
You’ll not only need credit, but enough income to justify the
loan, a solid employment history, and the ability to document
your savings and other financial assets.

It could be a good catalyst for housing in 2015

Along with the already popular FHA loan options, there are now
plenty of ways for people to become homeowners without large
amounts of money down. And the new programs prompted the FHA to
significantly lower its mortgage insurance premiums in order to
remain a competitive loan option.

These loans seem to me to be less likely to contribute to
another housing collapse, and could actually do a lot of good for
the housing market. First-time homebuyers currently make up a
much lower share of the market than they have historically, and
if these new programs are successful, an influx of first-time
buyers could go a long way toward a healthy U.S. housing
market.

Bank of America + Apple? This device makes it possible.

Apple recently recruited a secret-development “dream team” to
guarantee its newest smart device was kept hidden from the
public for as long as possible. ;But
the secret is out

, and some early viewers are claiming it’s ;destined to
change everything from banking to health care. In
fact, ;ABI Research ;predicts 485 million of this type
of device will be sold per year. But one small company
makes ;Apple’s ;gadget possible. And its stock price
has nearly unlimited room to run for early in-the-know
investors. To be one of them, and see Apple’s newest smart
gizmo, just
click here

!

The article
Will Fannie Mae and Freddie Mac’s Low Down
Payment Loans Cause Another Housing Collapse?

originally appeared on Fool.com.


Matthew Frankel

has no position in any stocks mentioned. The Motley Fool has no
position in any of the stocks mentioned. Try any of our Foolish
newsletter services
free for 30 days

. We Fools may not all hold the same opinions, but we all believe
that
considering a diverse range of insights

makes us better investors. The Motley Fool has a
disclosure policy

.

Copyright © 1995 – 2015 The Motley Fool, LLC. All rights
reserved. The Motley Fool has a

disclosure policy

.


The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of The NASDAQ OMX Group, Inc.

[...]

Apple just took out a $6.5 billion loan even though it's sitting on $178 billion in cash

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View photo. China Daily/Reuters
Apple sold $6.5 billion in bonds on Monday,
according to Bloomberg.

That’s the same Apple that  last week  announced an record-breaking $18 billion profit over the holiday quarter.

It’s reasonable to ask: why would Apple —  a company with $178 billion in cash  — need a loan?

In short: taxes.

The vast majority of Apple’s cash hoard is held offshore.

Apple can defer taxes on that cash until it decides to bring it back to the U.S.

Apple doesn’t want to bring the money home, though. It could pay up to 35% of whatever it brings back to Uncle Sam, which could easily be a multi-billion dollar tax bill.

Apple wants a tax repatriation holiday, like the one recently proposed by Senators Barbara Boxer and Rand Paul.

The Boxer-Paul would tax cash Apple brought home at 6.5%, much lower than the rate it would otherwise pay.

But the prospects for the Boxer-Paul plan aren’t looking good. Senator Orrin Hatch, Chair of the Senate Finance Committee, has already expressed skepticism about it. And this bill hasn’t even been introduced yet.

Meanwhile, Apple still needs cash in the US. The $6.5 billion it raised will go towards  stock repurchases, dividend payments, and debt repayments, according to Bloomberg.

With corporate taxes so high, and interest rates so low, it’s much cheaper for Apple to raise debt and pay it back with interest than to repatriate cash.

Unless we see corporate tax reform, Apple will probably keep raising money this way for the foreseeable future.

More From Business Insider

Here’s why President Obama’s new budget should make tech companies nervous
This Apple Watch app will let you control your Tesla from your wrist
The best view yet of Apple’s new ‘Spaceship’ campus that’s beginning to take shape

Are Your Student Loan Payments Higher Than Necessary?

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Source: Tulane Public Relations via Flickr.

If you’re among the millions of Americans who make student
loan payments each month, it’s important to know all of the
repayment options available to you. Certain plans could lower
your monthly payments, freeing up more of your cash.

Here’s an overview of the most advantageous repayment plans,
along with the pros and cons of reducing your payment.

The Pay As You Earn plan

The
Pay As You Earn

is designed to keep your payments low when you’re fresh out of
school and not earning much money. Then, as your income grows, so
do your repayments.

The required payment amount is actually quite low: It’s capped
at either 10% of your discretionary income
or

what your payment would be under a standard 10-year repayment
plan. For the purposes of this calculation, your discretionary
income is the difference between your income and 150% of the
poverty guidelines for your family size and state of
residence.

As an example, let’s say you earn $60,000 per year, live in
any of the 48 contiguous states or Washington, D.C. (the poverty
guidelines are only different for Alaska and Hawaii), and are
married with one child (family size of three). The poverty
guideline for 2015 is $20,090, and 150% of that amount is
$30,135. Therefore your discretionary income is $60,000 minus
$30,135, which comes to $29,865. Divide this over 12 months and
apply the 10% rule, and you can see that your monthly payment
would be capped at about $250, no matter how high your student
loan balance is.

Now, the most common concern I hear is that such a low payment
may not even cover the interest on the loans, and therefore it
could take decades to pay off the balance. However, under the Pay
As You Earn plan, any remaining loan balance will be forgiven
after 20 years of on-time payments, regardless of how much is
left.

It’s also worth noting that Pay As You Earn isn’t available to
all borrowers yet. It was announced last year that the program
will be available to all borrowers by the end of 2015, but for
now it’s only open to borrowers who took out their first loan
after October 2007. For those who are currently ineligible, the
Income-Based Repayment, or IBR, plan, offers similar benefits:
The payment cap is slightly higher at 15% of discretionary
income, and any remaining balance is forgiven after 25 years.

Extended repayment

If you’d prefer payments that stay the same over the years but
find the 10-year repayment plan a little too expensive, there’s
also the option of an extended repayment plan, which spreads your
payments over a longer time frame (up to 25 years). This tends to
be an appealing option for people who earn too much to take full
advantage of the Pay As You Earn plan but find the 10-year
payment amount to be too high to manage along with their other
expenses.

Another advantage of the extended option is that your loan
balance
will

go down over time, which can provide a nice boost to your credit
score. According to the FICO scoring formula, 30% of your score
comes from “amounts owed,” which takes into account, ;among
other things, the remaining balances on your loan relative to the
original loan amount.

The downsides of choosing the extended repayment plan are that
you’ll never be eligible for loan forgiveness as you would with
the Pay As You Earn plan, and you’ll end up paying a lot more
interest over the life of the loan than you would under a
standard 10-year repayment plan.

For example, if you owe $35,000 in student loans at 6%
interest, your monthly payment under the standard 10-year plan
would be $389 per month. So, over the life of the loan, you’ll
pay $11,680 in interest. However, if you choose to pay it back
over 25 years, your monthly payment falls to about $225, but
you’ll end up paying $32,650 in interest.

The downside to lower payments

As with anything else in life, there are pros and cons to all
repayment options, including Pay as You Earn and extended
repayment. As I mentioned before, you’ll end up paying more
interest with an extended repayment plan than with a standard
repayment plan, and if your income increases over the years, this
could be the case with Pay As You Earn as well.

And with Pay As You Earn, remember that your payments will
rise in proportion to your income, and this could cause a rather
sharp increase if you get a raise or a higher-paying job. In the
earlier example of a borrower who earns $60,000 per year, a
promotion to a job paying $80,000 per year (33% raise) would
increase the allowable loan payment from $250 to $415 (67%
increase). With a raise that size, a higher loan payment isn’t
the end of the world, but it’s definitely something to keep in
mind.

Aside from these drawbacks, the Pay as You Earn plan and the
extended repayment plan can be excellent ways to manage your
student loan expenses while still building up a solid payment
history.

Bank of America + Apple? This device makes it possible.

Apple recently recruited a secret-development “dream team” to
guarantee its newest smart device was kept hidden from the
public for as long as possible. ;But
the secret is out

, and some early viewers are claiming it’s ;destined to
change everything from banking to health care. In
fact, ;ABI Research ;predicts 485 million of this type
of device will be sold per year. But one small company
makes ;Apple’s ;gadget possible. And its stock price
has nearly unlimited room to run for early-in-the-know
investors. To be one of them, and see Apple’s newest smart
gizmo, just
click here

!

The article
Are Your Student Loan Payments Higher Than
Necessary?

originally appeared on Fool.com.

Try any of our Foolish newsletter services
free for 30 days

. We Fools may not all hold the same opinions, but we all believe
that
considering a diverse range of insights

makes us better investors. The Motley Fool has a
disclosure policy

.

Copyright © 1995 – 2015 The Motley Fool, LLC. All rights
reserved. The Motley Fool has a

disclosure policy

.


The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of The NASDAQ OMX Group, Inc.

[...]

Need a $10,000 cash advance? Square now an option

Best known for making credit card readers that plug into mobile phones and tablets, Square has been extending merchant cash advances to small businesses already using its payment-processing software and systems through a program it calls Square Capital. In exchange for a lump-sum payment, a small business agrees to pay back to Square a fixed amount plus the original cash advance, deducted from the business as a percentage of its daily credit card sales.

This type of funding fills a niche, since it is an option for small businesses like Juxtapose, which cannot access conventional loans. As a result, lenders can charge higher interest rates than banks.

Read MoreStarved for cash, Main Street turns to alternative lenders

Since May, the San Francisco-based company has issued these advances to roughly 10,000 small businesses using $50 million of its own cash, said Square spokeswoman Faryl Ury. Eligibility is based on a business’s monthly sales and history with Square. Most of these cash advances have been for less than $10,000, and Square typically takes 4 percent, 7 percent or 10 percent of a small business’s daily card sales until the advance is paid off, Ury said.

In August, Victory Park Capital handed Square Capital a hefty investment to ramp up the program and extend more cash advances to more merchants. According to Ury, Square isn’t releasing the exact amount of the investment, but the cash from Victory Park will allow Square to “extend hundreds of millions of dollars as quickly as possible.”

The investment comes at a time when Square finds itself in flux. While the company continues to grow—Ury said Square employs more than 800 people and processes “tens of billions of dollars” annually—the company still has not turned a profit. Another, separate investment of $100 million into Square, announced in September, brings the company’s valuation to $6 billion, but Square is also competing in an increasingly crowded payments sector against the likes of PayPal, Google and now Apple.

“The pressure is on for them to really start figuring out how to keep merchants, and keep merchants that are processing on a regular basis and at a respectable volume,” said Phillip Parker, a former independent agent in the credit card–processing industry and founder of the merchant-account reviewing website CardPaymentOptions.com.

Read MoreSquare: CNBC Disruptor [...]

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‘Trapped Cash’ Phenomenon Labeled an Overstatement

By Siobhan Hughes

Big American companies have long complained that an estimated $1 trillion in cash is trapped overseas—all because the U.S. corporate tax rate of 35% keeps companies from bringing it home. A new report from a California tax-law professor counters that argument, calling it an “overstatement” advanced by large, multinational corporations with significant foreign operations.

Ed Kleinbard, a professor at the University of Southern California who was previously chief of staff at the Joint Committee on Taxation, examines why so many companies are seeking to reincorporate overseas for tax purposes, a practice known as inversion. Companies are advancing a “false narrative,” he says, that they are pushed into inversions because “their love goes unrequited by a country that cruelly saddles them” with “the highest corporate tax rate in the world.”

Instead, U.S. multinationals take advantage of a “feast of tax planning opportunities” to end up with corporate tax rates that are “the envy of their international peers,” he writes. A May 2013 report by the Government Accountability Office found that for the 2010 tax year, the effective tax rate paid by profitable companies was 17%, factoring in foreign and state and local income taxes. The effective rate was 22.7% when unprofitable companies were included – still well below the top rate of 35%.

As an example, Mr. Kleinbard cites Apple Inc. The maker of the iPhone held $113.3 billion in cash and other instruments in overseas subsidiaries as of Sept. 28, 2013. In May 2013, it issued almost $17 billion in debt. Under the U.S. tax code, the interest earned on the overseas cash is taxable in the U.S. At the same time, the interest payments on the debt are tax-deductible in the U.S. The interest earned on the overseas cash investments can be used to pay the interest on the loan, and the company, Mr. Kleinbard says, “is left in the same economic position as if it had simply repatriated the cash tax-free (plus or minus a spread for differences in interest rates between the two streams.)”

“As Apple Inc. demonstrated in 2013, large multinational firms often can access their offshore earnings without incurring a tax cost, simply by borrowing in the United States and using the earnings on the offshore cash to pay the interest costs,” he writes.

The idea that current tax rules trap cash overseas, Mr. Kleinbard concludes, is a “great overstatement.”

 


 

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How to Compete With All-Cash Home Buyers

As cash buyers continue to inundate ;recovering markets, it’s easy to feel like the underdog ;if your offer includes a pre-approval letter for a mortgage.

In some places — ;especially in the Midwest and Florida — ;more than half of sales in the first quarter of 2014 were closed with cash, ;according to a recent Zillow analysis.

“Cash is always the deal-sealer and the best way to get deals,” said Joe Spake, a longtime real estate agent in Memphis, where nearly half of first-quarter sales were all-cash. “Just, not a whole lot of people have it, especially in the regular-people realm. The average working person is going to have to get a mortgage.”

Across the country, cash buyers are on the decline, but in some markets you’re still very likely to be pitted against one. We asked agents in the country’s most cash-rich markets for advice for buyers who want to stay competitive without ;cash.

The Bottom Line is the Bottom Line

Cash buyers come in looking for a deep discount, said Tony Baroni, an agent in ;Tampa, which trails only Miami in the percentage of homes purchased with cash.

“At the end of the day, all the seller cares about is how much money they’ll get,” Baroni said. “Some sellers don’t care if it’s cash or financed.”

Tucson agent Spirit Messingham has seen buyers get intimidated when they go up against all-cash offers.

“What I tell people … is that most sellers don’t care if I give them a bag of dirty old cash or if I give them a loan from a local lender,” he said.

Get a Solid Loan

If you can’t write a fat check, get pre-approved and know how much you can put down on a home before you start shopping, agents said. Spake believes it’s worth seeking out a local lender. ;The seller or listing agent might even recognize the lender’s name — ;or at least the bank’s name — ;and that could give you an edge.

Plus, Spake said: “I can go to that person’s office and stand on his desk if I have to.”

How Much Do You Want it?

Cash buyers are often investors, so they’re looking for a great deal. If a competing buyer is shopping for a home, it’s sentimental. The home ;might be worth more to them than the asking price.

“When we go up against a cash buyer, you need to act decisively,” Messingham said. “How badly do you want it? Because it’s not just an investment. It’s not like we’re trying to buy Apple [stock] at a 52-week low. This is going to be your home.”

Lyn Miller, an agent in Miami, agreed: “Sometimes you’ve got to offer over the asking price to get them.”

Keep it Simple

One major advantage of cash is simplicity. Relying on the ;loan process adds a level of complexity to the deal. To compensate for that, agents said it’s important to make your offer straightforward and simple.

Baroni recommends short inspection periods and lots of earnest money.

In Memphis, a popular market for investors, Spake tells his buyers ;not to ask for anything they don’t really need.

“The bottom line for me is to make the cleanest deal for the seller possible,” he said. “I want them to pick me, and I don’t want them to have a lot of hidden paragraphs” in the offer.

Personalize It

Baroni took a chance recently and delivered an offer with a photo of his buyer and a letter explaining the buyer’s story. The offer came in $5,000 lower than the highest offer on the table, but the seller picked his client anyway.

A human angle is something investors often can’t bring to the table, and it can sometimes seal the deal just as well as a briefcase full of George Washingtons.

Read More from Zillow:

Metros ;Where Cash Buyers Dominate the Market

10 Markets Where Borrowers ;Have the Edge

15 Cities Where Renting Rules

Emily Heffter, a reporter and writer for Zillow Blog, covers celebrity real estate, unusual properties, and other real estate topics. Read more of her work ;here.

[...]

How to compete for a home without cash

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Real estate

How to compete for a home without cash

Emily Heffter
Zillow

2 hours ago

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As cash buyers continue to inundate recovering markets, it’s easy to feel like the underdog if your offer includes a pre-approval letter for a mortgage.

In some places — especially in the Midwest and Florida — more than half of sales in the first quarter of 2014 were closed with cash, according to a recent Zillow analysis.

Lynne Sladky / AP

In cash-rich markets such as Miami, would-be home buyers without a lot of money should consider these tips to seal a deal.

“Cash is always the deal-sealer and the best way to get deals,” said Joe Spake, a longtime real estate agent in Memphis, Tennessee, where nearly half of first-quarter sales were all-cash. “Just, not a whole lot of people have it, especially in the regular-people realm. The average working person is going to have to get a mortgage.”

Across the country, cash buyers are on the decline, but in some markets you’re still very likely to be pitted against one. We asked agents in the country’s most cash-rich markets for advice for buyers who want to stay competitive without cash.

The bottom line is the bottom line

Cash buyers come in looking for a deep discount, said Tony Baroni, an agent in Tampa, Florida, which trails only Miami in the percentage of homes purchased with cash.

“At the end of the day, all the seller cares about is how much money they’ll get,” Baroni said. “Some sellers don’t care if it’s cash or financed.”

Tucson, Arizona, agent Spirit Messingham has seen buyers get intimidated when they go up against all-cash offers.

“What I tell people … is that most sellers don’t care if I give them a bag of dirty old cash or if I give them a loan from a local lender,” he said.

Get a solid loan

If you can’t write a fat check, get pre-approved and know how much you can put down on a home before you start shopping, agents said. Spake believes it’s worth seeking out a local lender. The seller or listing agent might even recognize the lender’s name — or at least the bank’s name — and that could give you an edge.

Plus, Spake said: “I can go to that person’s office and stand on his desk if I have to.”

How much do you want it?

Cash buyers are often investors, so they’re looking for a great deal. If a competing buyer is shopping for a home, it’s sentimental. The home might be worth more to them than the asking price.

“When we go up against a cash buyer, you need to act decisively,” Messingham said. “How badly do you want it? Because it’s not just an investment. It’s not like we’re trying to buy Apple [stock] at a 52-week low. This is going to be your home.”

Lyn Miller, an agent in Miami, agreed: “Sometimes you’ve got to offer over the asking price to get them.”

Keep it simple

One major advantage of cash is simplicity. Relying on the loan process adds a level of complexity to the deal. To compensate for that, agents said it’s important to make your offer straightforward and simple.

Baroni recommends short inspection periods and lots of earnest money.

In Memphis, a popular market for investors, Spake tells his buyers not to ask for anything they don’t really need.

“The bottom line for me is to make the cleanest deal for the seller possible,” he said. “I want them to pick me, and I don’t want them to have a lot of hidden paragraphs” in the offer.

Personalize it

Baroni took a chance recently and delivered an offer with a photo of his buyer and a letter explaining the buyer’s story. The offer came in $5,000 lower than the highest offer on the table, but the seller picked his client anyway.

A human angle is something investors often can’t bring to the table, and it can sometimes seal the deal just as well as a briefcase full of George Washingtons.

More from Zillow:

Metros Where Cash Buyers Dominate the Market

10 Markets Where Borrowers Have the Edge

15 Cities Where Renting Rules

Emily Heffter, a reporter and writer for Zillow Blog, covers celebrity real estate, unusual properties and other real estate topics. Read more of her work here.

© 2006-2014 Zillow Inc., All Rights Reserved

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There are three categories that reasons to take out payday loan fall under, and these are:1. Important and Urgent – These are generally them that are usually very unexpected, and , sometimes improve your life if you don’t get cash and fast. Events that come under this category are the best reasons to take out pay day loans, since they happen very sparsely, and you will generally have the ability to pay off the loan between these events. Also, the amount is usually unforeseen and unpredictable, so it’s hard to keep a steady amount of cash waiting for this.

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It is essential to recollect with regards to payday advances is they have to be paid back promptly to prevent paying insane charges that could probably equal or even surpass how much the borrowed funds by itself! It is the renewing in the mortgage along with neglecting to repay it on time that could create a main financial predicament for that borrower.

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All a buyer must get a payday cash advance is an open account in relatively good standing, a steady source of earnings, and identification. s don’t conduct a full appraisal of creditworthiness or raise questions to figure out in case a borrower are able to reimburse the loan.

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However, that’s not the only step to consider. http //peakrunning.org/payday loans online get a fast easy 10 minutes payday loan fastest approval fast apply now/, Identify fees are another way cash advance companies make money. They will come inside the form of your application or processing fee. Some lenders will waive this fee if it is the very first time using their services. You also can find lenders who don’t charge any fees. These lenders usually charge higher interest rates. Look to get a company that charges low fees. Fees will often cost more than the interest charges. When choosing a payday loan lender, be certain that the rates of interest may also be low, http //peakrunning.org/payday loans online get a fast easy 10 minutes payday loan fastest approval fast apply now/.

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